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certificates of deposit

Cultural

Bonds issued by banks and savings and loan associations to individual investors. CDs have terms ranging from a few months to several years; in general, the longer the term, the higher the interest rate that they bear. At the expiration of the term, investors may withdraw both the principal and the accrued interest. Penalties are imposed for early withdrawal.

Example Sentences

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Rates on many savings accounts or certificates of deposit are set competitively.

From The Wall Street Journal • Dec. 13, 2025

One obvious answer is certificates of deposit, which promise a fixed interest rate for a set term, such as one, three, or five years.

From Barron's • Dec. 11, 2025

High-yield savings accounts are more liquid than certificates of deposit, meaning you can take your money out more easily, with withdrawals usually limited to half a dozen per month.

From MarketWatch • Nov. 4, 2025

My goal now is not so much to grow the money substantially, but to avoid paying taxes on my investments, as I would have to do with certificates of deposit.

From Los Angeles Times • Dec. 29, 2024

The certificates of deposit would be as good as Government bonds.

From Usury A Scriptural, Ethical and Economic View by Elliott, Calvin

Definitions and idiom definitions from Dictionary.com Unabridged, based on the Random House Unabridged Dictionary, © Random House, Inc. 2023